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Learn how to check the billing cycle of Kotak Mahindra Bank credit cards along with the due date, and payment options to avoid late fees.
Kotak Mahindra Bank assigns a billing cycle to your credit card, which records all transactions over a period of 30 to 31 days, starting from a specified date. At the end of this cycle, the bank issues a statement to your registered email ID.
For example, if your billing cycle runs from 16th February to 15th March 2025, the statement will be generated on 15th March and will include all settled transactions during this period. Any transactions made after 15th March 2025 will appear in the following statement.
You can view your billing cycle details in your monthly credit card statement, which the bank sends to your registered email ID. Alternatively, you may obtain a physical copy from the nearest Kotak Mahindra Bank branch.
If the payment is not made by the due date, the bank may levy a late payment fee. Therefore, it is important to be aware of your billing cycle and statement dates.
To check your statement online at any time, you may use one of the following methods:
Log in with your credentials
Go to Credit Card and then head to Statement
Log in with your credentials
Go to Credit Card and then navigate to CC Statements
You may request a change to your billing cycle by contacting Kotak Mahindra Bank Customer Care at 1860-266-2666.
Kotak Mahindra Bank offers multiple online and offline payment options to make your credit card bill payment. Choose any option from the following list that suits you best and avoid late payment charges:
You can clear your Kotak Mahindra Bank credit card bill conveniently through the following online payment methods, accessible anytime and from anywhere:
Log in to the app
Select Credit Card from the homepage
Tap CC Payments, enter the amount, and submit
Receive confirmation immediately
Log in to Net Banking
Go to the Credit Cards section
Select Pay Now or Make Payment
Enter payment details and confirm
The bank credits the amount within 24 hours
Enter your credit card number and payment amount
Select Net Banking, UPI, or RuPay from the dropdown
Authorise the payment
The bank credits the amount within 3 working days, excluding holidays
Log in to your bank’s portal
Register your Kotak Credit Card for VISA Credit Card Payment
Make payments as needed
The bank usually processes the payment in 2 to 3 working days
You can pay your Kotak Mahindra Bank credit card bill offline through any of the following methods:
Visit a nearby Kotak Mahindra Bank branch to pay by cash
Deposit the amount at the counter
Get confirmation within 24 hours
A fee of ₹100 plus GST will be applicable for payments made in cash.
Add your Kotak Mahindra Bank Credit Card as a payee
Add the details including your 16-digit card number, branch, and the IFSC code
Drop a cheque at any branch or ATM dropbox
Write it in favour of Kotak Mahindra Bank Card A/C [16-digit card number]
Only local cheques are accepted for this payment method.
The due date is the last day for clearing the outstanding amount on your credit card bill. Payments made on or before this date help you avoid interest charges and late payment fees.
The table below outlines the billing cycle dates and their corresponding due dates:
Statement Date |
Due Date |
|---|---|
5th of the month |
23rd of the same month |
10th of the month |
25th of the same month |
15th of the month |
3rd of the next month |
20th of the month |
8th of the next month |
22nd of the month |
10th of the next month |
25th of the month |
12th of the next month |
Paying your credit card bill in full and on time at the end of each billing cycle supports the maintenance and improvement of your credit score. Any delay in payment may result in late payment charges.
For Kotak Mahindra Bank Credit Cards, late payment charges are applied on a slab basis falling in the range of ₹0 to ₹1,200.
No fee is charged if the outstanding balance is up to ₹100.
For outstanding balances above ₹50,000, a late payment charge of ₹1,200 is applicable.
Kotak Mahindra Bank does not levy interest on the total outstanding amount until the payment due date. The bank typically allows a free credit period ranging from 18-48 days to 21-51 days depending on your Payment Due Date.
The billing cycle begins once you activate and start using your credit card. All transactions made during this period are recorded, and a statement is generated at the end of the cycle.
You can find the billing cycle dates in your credit card statement. Alternatively, you may check them at any time through the issuer’s net banking portal or mobile application.
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